Physicians Life Insurance Company, a member of the Physicians Mutual family
Why people like you choose Physicians Life Insurance Company
You'll get these important benefits with our Medicare Supplement insurance.
A conversation with us can mean a lifetime of confidence
If you're feeling overwhelmed about your choices for health care in retirement, you're not alone.
We talk to people every day who feel the same way and we understand. For nearly 25 years, the Physicians Mutual familySince 1902, the Physicians Mutual family has empowered people like you to face life's financial challenges with confidence. For nearly 50 years, the Physicians Mutual family has offered Medicare Supplement insurance options andFor nearly 50 years, the Physicians Mutual family has been taking the time to listen and sort out the details — to help people like you make the right choice.
Our promise to you is that we'll make things clear, simple and easy. So you, too, can feel confident about your coverage choices today — and in the future.
Preventive care — key to a happy retirement
You can't control everything. We get it. But, you can control how you take care of yourself. That means getting preventive care when and how you may need it. With Physicians Life Insurance Company, you don't have to worry.
As our customer, you can collect benefits for covered routine physical exams, immunizations and health screenings not paid for by Medicare.* Best of all, you'll never pay anything for these covered preventive care services.
We're one of the few companies that covers preventive care — and doesn't limit the dollar amount of preventive benefits you can receive.
You are your own best advocate, and we're here to help you. See below for details.
Exclusive second-chance optionguarantee
Choosing the right Medicare Supplement insurance policyplan for you is important. That's why we work hard to help you make the best choice at the time you sign up. But life changes — and your needs might, too. No problem! You have the option to switch to another insurance policyplan once in the first two years with no health questions. This optionguarantee gives you a second chance you won't get anywhere else.
A discount that lets you keep more money in your pocket
Save now. Save a month from now. Save for as long as you keep your coverage. Get 12%10% off your monthly premiums just for living with your spouse or with anyone age 60 or older.** And when they turn 65, we'll treat them like family, too.
An insurance policyA plan you won't find anywhere else
Did you know not all Medicare Supplement insurance policiesplans are the same? We're one of the few companies that have been able to offer something different.
To help our customers keep more money in their pocketssave money, we developed Innovative Plan G. You'll get lifetime savings on premiums by helping to pay for your health care costs during the first three calendar years. After that time, you'll continue to save on premiums for the rest of your life. This is an exclusive insurance policyplan you won't find anywhere else. 1, 2
* Plan A does not offer preventive care benefits. Click the Important Disclosure Information link below for all details including the insurance policy/rider limitations.
** If you reside in a household with at least one (but no more than three) other Medicare-eligible adults, and at least one of them owns, or is issued a Medicare Supplement policy from either Physicians Life Insurance Company or Physicians Mutual Insurance Company.
** An applicant who resides in a household either with a spouse or with another person (but no more than three) that is age 60 or older and has continuously resided with the applicant for the past 12 months.
1. The Innovative Discount Rider works hand-in-hand with our Plan G.
2. Your deductible automatically goes away January 1 following your third calendar year.
Important Disclosure Information
Physicians Mutual Insurance Company offers reliable dental and supplemental health insurance.
Physicians Life Insurance Company provides important life insurance, Medicare Supplement, as well as annuities.
Physicians Mutual Insurance Company and Physicians Life Insurance Company are not financially responsible for each other's products.
This is a solicitation of insurance. Requests for additional information, including costs, exclusions and limitations, require contact with an insurance agent/producer or insurance company.
Policy Limitations: We will not pay for (a) expenses incurred while your policy is not in force, (b) services of the type not covered by Medicare, unless specifically provided by the policy.
Plan A L030 policy limitations: We will not pay for: a) confinement that begins or expenses incurred while your insurance policy is not in force, (in SC/TN: subject to the Extension of Benefits provisions) b) services of the type not covered by Medicare, unless specifically provided by the insurance policy.
Plan F L035, Plan G L036, High Deductible Plan F L037, and High Deducbtible Plan G L038 insurance policy limitations: We will not pay for: a) confinement that begins or expenses incurred while your insurance policy is not in force, (in MD: except as provided in the Extension of Benefits provision; in SC/TN/ VA: subject to the Extension of Benefits provisions) b) services of the type not covered by Medicare, unless specifically provided by the insurance policy, c) any of the following services as preventive health carepolicy. Preventive Benefits are subject to the following exclusions (in MD: Any of the following services as preventive health care): 1. Dental services defined by American Dental Association Current Dental Terminology (CDT) codes; 2. Chiropractic services, acupuncture and acupressure services; 3. Weight loss treatment of any type; 4. Prescription drugs or over-the-counter drugs or supplements; 5. All vision services; 6. Experimental preventive services (not in MD); 7. Any test, screening or procedure to determine the likelihood of developing or passing on to children any disease or disorder, including but not limited to genetic testing.
In TX: Plan A is available to individuals under age 65 who are enrolled in Medicare. Open enrollment period: No individual can be denied any Medicare Supplement coverage sold by any Medicare Supplement issuer, if the application is submitted during the six-month period beginning with the first day of the month in which an individual first enrolls for benefits under Medicare Part B at age 65 or older; or upon attaining age 65 for individuals that were previously enrolled in Medicare Part B, prior to turning age 65. If you are under age 65, you have two open enrollment periods; one when you first enroll in Part B and a second one when you turn age 65. An individual under the age of 65 who is within the six-month open enrollment period (beginning when the individual under age 65 first enrolls in Medicare Part B) may purchase any Medicare Supplement plan offered to Medicare individuals under age 65. Note: Benefits and premiums under this insurance policy may be suspended for up to 24 months if you become entitled to benefits under Medicaid. You must request your coverage be suspended within 90 days of becoming entitled to Medicaid. If you lose (are no longer entitled to) benefits from Medicaid, this insurance policy can be reinstated if you request reinstatement within 90 days of the loss of such benefits and pay the required premium.
In LA/MD/TN: Our Medicare Supplement insurance is available for people under age 65 eligible for Medicare due to a disability.
In NC: Premiums can change if all policies of the same form and class in your state are changed. Plan F, Plan G, High Deductible Plan F and High Deductible Plan G premiums based on attained age will also change each year on or after your birthday.
In VA: For a complete description of policy exclusions, limitations, and costs or other coverage details, please contact your insurance agent or the company.
In CO: Important Information: Medicare Supplement policies are available to people under age 65 eligible for Medicare due to a disability.
Physicians Life Insurance Company and its agents/producers are not connected with, or endorsed by, the U.S. Government or the Federal Medicare Program.
Physicians Life Insurance Company Insurance policy/rider form numbers: L030, L035, L036, L037, L038, F001, F002 (in LA: L030LA, L035LA, L036LA, L037LA, L038LA; in MD: L030MD, L035MD, L036MD, L037MD, L038MD, F001MD, F002MD; in NC: L030NC, L035NC, L036NC, L037NC, L038NC; in OK: L030OK, L035OK, L036OK, L037OK, L038OK; in PA: L030PA, L031PA, L035PA, L036PA, L037PA, L038PA, F001PA, F002PA; in TN: L030TN, L035TN, L036TN, L037TN, L038TN, F001TN, F002TN; in TX: L030TX, L035TX, L036TX, L037TX, L038TX, F001TX, F002TX; in VA: L030VA, L035VA, L036VA, L037VA, L038VA). Please note that our products are not available in all states.